Federal credit union · Morrill, Nebraska · NCUA charter #24695
Nebraska Rural Community
Health score 49/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $3.5M
- Total assets
- 617
- Members
- 6.3%
- Net-worth ratio
Nebraska Rural Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24695 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Nebraska Rural Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)56
- Asset quality (delinquency)0
- Earnings (ROA)26
- Member growth85
- Liquidity (loan-to-share)100
Weighted composite: 49/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.25% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.25% | 30% |
| Delinquency Rate | 4.31% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 3.18% | 15% |
| Loan-to-Share Ratio | 88.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.5M | 617 |
| 2024Q4 | $3.7M | 598 |
| 2023Q4 | $3.3M | 578 |
Credit Union Details
- Charter Number
- 24695
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- Morrill
- Data Quarter
- 2025Q4
What This Data Says About Nebraska Rural Community
617 members and $3.5M in total assets sit behind Nebraska Rural Community, a federal credit union in Morrill, Nebraska, which posts a health score of 49/100 (Below Average) on the five-factor composite, with $2.8M in outstanding loans as of Q4 2025 and a net worth ratio of 6.25% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24695 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 4.31% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 88.20% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.06% on net income of $-2260 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.18%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Nebraska Rural Community financially healthy?
Nebraska Rural Community has a financial health score of 49/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.25% and delinquency rate of 4.31%.
How does Nebraska Rural Community compare to other credit unions?
Nebraska Rural Community scores 49/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Nebraska Rural Community?
Nebraska Rural Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Nebraska Rural Community directly for the exact boundaries and application steps.
Is my money safe at Nebraska Rural Community?
Federal credit unions like Nebraska Rural Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Nebraska Rural Community's net worth ratio of 6.25% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Nebraska Rural Community offer compared to banks?
Credit unions like Nebraska Rural Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Nebraska Rural Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.